The 3 Biggest Financial Challenges Contractors Face and How We Solve Them
Running a successful contracting business takes more than skill in the field—it takes financial clarity, stability, and foresight. Many contractors share the same three challenges that keep them awake at night. Here’s how we help you overcome them:
Cash Flow Uncertainty
The Challenge: Even when projects are profitable, cash can feel like it’s slipping through your hands—delayed payments, retainage held back, and unpredictable expenses. That stress of wondering if payroll and suppliers will be covered can weigh heavy.
The Solution: We build clear, rolling cash flow projections so you know exactly where you stand. By optimizing billing cycles and planning, we make sure you’re never caught off guard. You gain peace of mind knowing your business can weather the ups and downs.
Bonding & Compliance Pressures
The Challenge: Securing or increasing bonding feels like hitting a moving target. Sureties scrutinize every number, every report, every compliance detail. One slip in WIP reporting, job costing, or payroll compliance can hold you back from bigger opportunities.
The Solution: We create “bond-ready” financials. That means accurate reports, clean ratios, and compliance that removes doubt from the surety’s eyes. Instead of feeling like you’re under a microscope, you can step confidently into larger projects knowing your numbers back you up.
Growing Without Losing Profit
The Challenge: Growth is exciting—but it also brings complexity. Multiple jobs running at once, bigger teams rising overhead. Without careful oversight, profits can quietly erode, leaving you working harder without seeing more in the bank.
The Solution: We give you visibility at every level—project, division, and company-wide. With the right KPIs and forecasting, you’ll see which jobs drive profit and where adjustments are needed. That means you can
In short: We take the financial stress off your shoulders, so you can focus on building. With clarity, compliance, and confidence—you don’t just survive in this industry, you thrive.​
Service 1: Construction CFO Advisory
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Monthly guidance to manage cash flow, profit fades, and backlog risk.
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Includes WIP reviews, margin analysis, and contractor-specific financial dashboards.
Service 2: Bond Readiness Program
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A 12-step plan to strengthen financials, improve ratios, and prepare for underwriter review.
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Ideal for contractors seeking their first bond line or higher capacity.
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Includes WIP templates, financial ratio tracking, and surety package coaching.
Service 3: Financial Systems & Reporting
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Simplify reporting across QuickBooks, Excel, and AIA billing.
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Make financial data clear, consistent, and surety-compliant.
Service 4: Profitability & Forecasting Tools
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Automated dashboards and month-end packages.
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Identify overbilling, underbilling, and margin leaks before they become bonding risks.
SERVICES PROVIDED
SURETY BOOKKEEPING
Surety bookkeeping focuses on accurate daily financial tracking so your numbers stay bonding-ready year-round. It includes construction-specific job costing, WIP schedules, reconciliations, labor burden accuracy, and cleanup of messy books. The goal is to produce consistent monthly financials that match how underwriters evaluate contractors. This service gives you reliable job data, cleaner reporting, and a stronger foundation for bonding.
SURETY CONTROLLER
Surety controller services add structure and oversight to your financial system. This includes managing the monthly close, monitoring overbillings and underbillings, reviewing revenue recognition, and producing budget-versus-actual reporting. It also involves internal controls, approval workflows, and properly formatted financial statements for surety reviews. The goal is disciplined reporting, fewer errors, and improved credibility with bonding companies and lenders.
SURETY CFO
Surety CFO services provide higher-level financial strategy aimed at increasing bonding capacity and long-term stability. This includes forecasting, working capital improvement, margin strategy, pricing guidance, and retained earnings planning. The CFO function coordinates with surety agents, underwriters, CPAs, and banks to strengthen financial positioning. The outcome is clearer cash flow visibility, stronger financial ratios, and a roadmap to secure larger bond lines.
